Lloyds Banking Group PLC ADR (LYG)vsRoyal Bank of Canada (RY)
LYG
Lloyds Banking Group PLC ADR
$5.44
+3.62%
FINANCIAL SERVICES · Cap: $78.04B
RY
Royal Bank of Canada
$179.97
+2.71%
FINANCIAL SERVICES · Cap: $243.80B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 240% more annual revenue ($63.42B vs $18.63B). RY leads profitability with a 33.1% profit margin vs 25.0%. LYG appears more attractively valued with a PEG of 1.04. LYG earns a higher WallStSmart Score of 72/100 (B).
LYG
Strong Buy72
out of 100
Grade: B
RY
Strong Buy68
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 40.6%
Earnings expanding 146.4% YoY
Large-cap with strong market position
Keeps 25 of every $100 in revenue as profit
Attractively priced relative to earnings
Mega-cap, among the largest globally
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 46.2%
Generating 37.3B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Elevated debt levels
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : LYG
The strongest argument for LYG centers on Price/Book, Operating Margin, EPS Growth. Profitability is solid with margins at 25.0% and operating margin at 40.6%. Revenue growth of 14.4% demonstrates continued momentum.
Bull Case : RY
The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.1% and operating margin at 46.2%.
Bear Case : LYG
The primary concerns for LYG are Debt/Equity. Debt-to-equity of 1.85 is elevated, increasing financial risk.
Bear Case : RY
The primary concerns for RY are PEG Ratio.
Key Dynamics to Monitor
LYG carries more volatility with a beta of 0.94 — expect wider price swings.
LYG is growing revenue faster at 14.4% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
LYG scores higher overall (72/100 vs 68/100), backed by strong 25.0% margins and 14.4% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Lloyds Banking Group PLC ADR
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Lloyds Banking Group plc, offers a range of banking and financial services in the UK and internationally. The company is headquartered in London, the United Kingdom.
Visit Website →Royal Bank of Canada
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Royal Bank of Canada is a globally diversified financial services company. The company is headquartered in Toronto, Canada.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?